Date Received: 2018-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I contacted Barclayscard to discuss my account ending in XXXX. I was advise by agent Barclays offered a payback plan of XXXX per month to save my credit and to attempt to pay back what was owed. However I would need to pay the past due balance in XXXX payments of XXXX in XXXX and XXXX to bring current. They would wave the late fees and I could change my due date and set up auto payments. I made XXXX payments in XX/XX/XXXX for XXXX dollars and new for XXXX dollars. i also made the payment XXXX dollar payment in XXXX and started to make the auto XXXX dollar payments When I checked in XXXX my balance in only XXXX dollars less than i started over 4 months ago and they are charging illegal late fees and refusing to change my due date unless i come up with hundreds of dollars more. They made a commitment and an agreement with me to pay back certain debt. now they are attempting to revolve on the agreement and charge me additional monies or report me to credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Juniper XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have previously filed a complaint with XXXX XXXX for their inadequate investigation into a fraudulent credit card opened in my name. In their response they included the information that was filled out to open the credit card. There were several errors on this information. Whoever opened this account provided the following incorrect information : Mother 's maiden name Email address ( I've never seen this address before ) Own/Rent ( I assume that the XXXX marked in that field means neither which is not true ) Monthly Mortgage/Rent ( {$0.00} was marked, this is not true at all ) Yearly income ( this number would have been close a few years ago ) Employer Name ( This field seems to have been left blank ) XXXX XXXX claims to have reviewed the ID used and did not include a copy of it in the response to my previous complaint. XXXX XXXX also did not include a social security number used, nor did they include any of the questions that were supposedly answered in the phone call opening the account. I would also like to be provided with the recording of the fraudulent phone call that was used to open this account that they claim to have verified " sounded like me. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: We purchased a ticket through XXXX using their XXXX XXXX XXXX credit card. We had to cancel the ticket and submitted the necessary paperwork to get a full refund. We were told at first that it would take 4-5 business days to resolve. After a week we contacted customer service and were told that it would take 6-8 weeks to get a refund. In the meantime we would be obligated to pay the full price for a ticket that was never used. We contacted XXXX XXXX XXXX ( Barclays ) to dispute the charge and faxed paperwork to them multiple times. They never called or acknowledged that they even received any faxes. Want them to put this charge in dispute until this matter is resolved with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66048
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I used to have an account with Barclay. Due to oversea traveling, I failed to pay a small balance on the card. Barclay closed my account, and added a huge amount of fee into it. On XX/XX/2017, I was able to talk with a Barclay representative, and he told me that he can waived some of the fee, and the total I owned & need to pay off the account is XXXX. That was taken out of my XXXX XXXX XXXX checking account that Barclay has on file on the same day. Fast forwarding to now, I got email from Barclay saying that I owned {$390.00} on the closed account. I called in, and the nice representative explained to me that the balance was never paid off. She was able to get $ 100+ fee off the account, and I paid $ 200+ to close the account. As I was made to believed that the account is closed and paid off in XX/XX/2017, and as most of these charge are fees on top of fees, I believe the fees are excessive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95121
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2018 I logged into my XXXX account, I saw that my Mileage balance was XXXX. I had over XXXX miles on my account. I called XXXX ( XXXX XXXX XXXX Customer Service with Barclay Credit Cards ) immediately, and was told that my miles expired because I didn't use the card in 6 months. I was so frustrated because I pay the card monthly, so there is activity on the card each month! I was told that " payments '' don't count as activity. I am really upset, because I signed up for this card a couple years ago when I was flying XXXX, and the airline attendants that were " selling '' the card never disclosed to us that we need to use the card ( or what the definition of " use '' was according to XXXX ). The flight attendants stood there promoting and advertising this credit card, and so I applied because it looked like an attractive promotion, but they were extremely deceptive and unfair in the fact that all the terms were not disclosed to us. I called XXXX today and spoke to a representative and she told me in order to get my miles re-activated I had two options, I can purchased XXXX miles for {$25.00} or I can fly with XXXX within 2 months. That is ridiculous! I ended up paying {$26.00} with tax to get the XXXX miles so my total of XXXX miles would get re-activated. This is such an abusive and deceptive act. I want my miles credited back to me and my {$26.00} back. I don't feel that I should pay for this when the terms weren't explained to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60016
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-16
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: InXX/XX/XXXX, my husband made a purchase at an online retailer with XXXX. The credit card issuer is Barclay 's bank. I receive paperless statements, and went to my online banking system to pay them. This account is used once or twice a years. My online bank indicated I paid the bill on the XXXX of the month, which was outdated information. The due date apparently was the XXXX. The full balance was paid, 3 days late. In my mind, I paid the bill, and forgot about it. XXXX XXXX through Barclays Bank contacted me at my email, ( which I never received ) indicating that I did not pay my bill on time, and continued to assess late charges and fees. When I was alerted by XXXX, on or about the XXXX XXXX XXXX that this was on my credit report, I called Barclays, and settled the dispute with them. They erased all charges. I spoke with two different representatives that told me they could not contact the credit reporting agencies on my behalf, and gave me an address. I wrote a letter, and copied XXXX and XXXX. I received an email from XXXX, which is attached, and I can not open the response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is only one example, however just today, in 5 hours Ive received 3 calls from the same number from XXXX XXXX. Yes, I am late, and yes I understand their efforts, however I have never been over 30 days late, and am feeling these aggressive tactics are above normal expectations in collecting a debt of {$150.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was notified by BARCLAYS BANK DELAWARE of late payment. I told them I have not order any movie or such service. I was told they will investigate and credit my account. But every time I run my credit it show up. I called several times to have it credited and removed from my record. I was told the quickest way will be to cancel my card which I did but up till now it's still showing and affecting my credit. I have be communicating with them for 3 years now about this and they keep telling me it will be taking off but they don't do anything. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2018-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A